North American Bancard Complaint - Worst Customer Service Reps With Bad Attitudes And Love To Rub Small Business Owners
When I signed on to credit cards processing contract for North American Bancard in early 2004 as favor for one of my longtime patient, this is beginning of nightmare worse than dealing with worst HMO insurance ever. I contacted their customer service representative in 2005 after 18 months of contract with them to inform them that my company is dissolving. The representative with no apparent manner told me "you have signed on 3 years contracts and it will cost your $1200 early termination fee or you can continue to pay $40 per month for next 18 months which will run you $720 which will be cheaper". I told her this is highway robbery and I need to speak to her supervisor, she put me on hold for over a hour. Another rude person with no education background stated "it ain't my problem and if you're not gonna pay, we'll ruin your personal credit for rest of your living soul" Facing with her blackmails, I unwillingly asked her if I paid her company $40 per month for next 18 months and my contract is terminating. She stated I got her word on it and she'll sent me termination notice for me to fill out in which I quickly completed the form and faxed back to NAB. I called back NAB couple days later and was told by another rude representative that they never receive anything and I told her to wait next to fax while we're talking and I had faxed another copy of termination and she finally claimed that she received it but I must pay $40 per month which will be automatically debited from my checking account. After they collected $720 for not providing any services for 18 months, I noticed they continue to debit $40 per month after 18 months. I called their customer disservice dept, another rude representative claimed that they can continue to charge me $40 per month EVEN after my account is terminated. I quickly close my checking account from my defunct business.
Somehow, these robbers found my checking account from my new business and continue to debit $40 per months. After I found it out several months later and few hundred short in my checking account, I called these NAB people and they told me that my account is terminated and they'll refund my overcharges back. Of course, they never refund any money and when I inquire how can they debit my new checking account without my authorization and they claimed they can debit any account anytime that they wish. I quickly inform my bank to stop paying NAB. NAB immediately sent my account to their collection company which must hire the same rude reps and began to make harassing phone call @ 6AM every morning. These people refused to hear any explanation but threatened that they will "f*** with my credit profile for both business and personal" I tried to called NAB Customer Disservice dept and of course received the same run around with transferring of my call to 6 different rude peoples and finally stated "your account is in collection and there ain't nothing we can tell you about your account and you better paying these collection folks up or we'll sent you to more collection companies to harass you."
After more than $1000 defrauded by NAB, I was checking blog sites for complaints again NAB and I found there are many small business owners like me who have been defrauded by NAB. I guess this must be their business model to defraud many small businesses. If anyone wants to start class action lawsuits to protect innocent small folks like us, please count me in.
Company Response on 6/5/2009:
June 4, 2009
NAB works very diligently to resolve all customer issues and complaints. Since our inception in 1992, we have worked with over 125,000 merchants of all sizes and levels of complexity. We provide a high level of service and support to our customers, as is evidenced by the low number of complaints we handle. Occasionally we, like any other large company, may make a mistake or mishandle an issue. When these are brought to our attention we resolve them to the best of our ability. Our 250+ employees work hard every day to make doing business with NAB a pleasure for our merchants and stakeholders, all we ask is the opportunity to recover well.
First and foremost, NAB would like to apologize for what sounds like an unusual and extreme unsatisfactory experience that occurred.
In regards to the cancellation fee, Section 13 contained in the Terms and Conditions clearly states, “Any merchant who terminates this agreement prior to it's termination date is responsible for any and all monthly fees assessed under the Agreement for the remainder of the then existing term of the Agreement, including all minimum monthly fee commitments, which in no case shall be less than $295.00.”
If you feel that your account was incorrectly debited, or your fees have been inadequately advised, then we would need specific information in order to properly address the concerns or correct any errors. Please have your Merchant Account number ready, and contact our Customer Service Department at 800-226-2273, extension 1300 so that your specific situation may be properly researched and addressed.
Should you have any questions regarding this response, please have your Merchant number ready and contact our Customer Service at 800-226-2273 Ext.1300.
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